KATHMANDU: NIC Asia has launched ‘Chamatkarik’ auto and home loan schemes. The special features of the auto loan scheme include on-the-spot financing, payback period of 15 years, EMI starting from Rs 11,000, monthly interest of 0.9 per cent, special discount for customers availing both auto and home loans. The special features of the home loan include facility of determining the EMI based on one’s income, up to 50 years of payback period, among others. The loan schemes can be availed through any of the 244 branches of the bank spread across country.